Herman AI
Meet Herman, the AI credit analyst for mortgage lending
He reads the documents, verifies every data point, applies your credit policy, and hands your analyst a decision-ready case. The decision stays with your team.
How Herman works
Every step is logged. Nothing is decided without your team.
1. Collect & Classify
Intake from the portal, email, or API. Every document in the dossier is split, labeled, and filed.
2. Extract & Verify
Fields are extracted and validated; the application is cross-checked against supporting documents. Missing pieces are flagged at intake and go straight back to the broker.
3. Apply Policy & Assess Risk
Your credit policy, applied the same way to every file. Full or simplified check sets, depending on the use case.
4. Decision-Ready Output
A structured case report with a recommendation. Every conclusion links to its evidence and its policy reference.
What lands on your analyst’s desk
A complete and verified dataset, policy results with reasoning, a structured recommendation, and the audit trail behind every step.
Modernize without replacing
Herman works on top of your loan origination system and document management, not instead of them. REST API and SDK, event streams, no core migration.
A plug-in solution, ready to use: all the ingredients to build the AI credit analyst that fits your systems, whatever your IT setup. In production within months, not years. New use cases in weeks after that.
API
API
REST and event streams: the cleanest integration and the cleanest audit trail.
Email and Microsoft Teams
Email and Microsoft Teams
Herman reads the inbox or chat, processes the file, and returns structured output.
Computer Use
Computer Use
No API? Herman operates your existing systems the way a human would.
“By integrating AI into our document analysis process, we free up valuable time for our experts to focus on each applicant’s specific situation. Herman supports our team in handling administrative complexity, so we can invest more attention in responsible lending and in connecting borrowers to renovation advice through our One-Stop Shop model.”
Hans Vermeulen, CEO, Onesto
Glass box, not black box
You define the rules and own the audit trail. The questions your risk team will ask, answered:
In one storage boundary: the Briefcase, inside your tenancy. Documents, extracted data, and outputs live in a single isolated store, never used for training. You define retention; a temporary mode deletes everything after each run.
Herman is designed for the EU AI Act's assistive framework, with human-in-the-loop oversight by design. Your team makes every decision.
Every recommendation is explainable, linked to its evidence and policy reference. Every step is logged.
No. Herman does not do credit scoring. He applies your written credit policy the same way to every file, not an opaque score on borrower characteristics.
ISO 27001-certified, DORA-ready, GDPR by design: a certified security program with the contractual framework regulated lenders need: audit rights, an exit plan, and incident reporting.
In European cloud regions, Frankfurt and Switzerland by default, or scoped for deployment in your own environment.
How we clear bank security reviews →
How you start
Building an AI credit analyst in-house takes years and a seven-figure budget. Herman comes pre-maintained by Oper and compliant by design.
Phase 1
See it on your cases
You send us historical cases; we backtest Herman on your document types and show you the results.
Phase 2
Your analysts start working with Herman
A limited set of live cases in your environment; integration and data-protection questions are answered in practice.
Phase 3
Full rollout
Everything is processed within Herman, live inside your existing systems.
Contact us
See Herman work a real case
Book a free 20-minute walkthrough, followed by a backtest on your own document types.